1. Open
In the app: scan your ID, answer a few questions about your goal, income and risk appetite, sign. No prior knowledge, no paperwork, no appointment.
Finally!
Investing that leaves you in peace.
Professionally managed ETF portfolios for 0.48% a year.
- 4.6 App stores
- +11 bn Client funds in the Quirin group
Professionally managed ETF portfolio
Save your way to happy.
No hot tip. No perfect timing. Just a strategy that prevents mistakes, gets you to your goal without the stress – and simply makes you happy.
Shape your own future
Individual account
This is our core product. Your money sits in the Globales Portfolio: broadly diversified ETFs and index-tracking funds, behind them over 13,000 shares and 2,000 bonds from more than 70 countries. How much of that is equities is set by your strategy – eleven steps from 0 to 100%. We propose one based on your goal, horizon and risk appetite, monitor it continuously and bring the weightings back on target free of charge when the market shifts them (rebalancing). Switching, pausing, withdrawing: any time, no deadline, no fee.
- Time horizon
- From 3 years
- Savings plan
- From €25 a month
- Diversification
- 13,000+ shares, 2,000 bonds
- Costs
- 0.48% p.a. plus approx. 0.2% TER
Shape the future together
Joint account
One account, two holders with equal rights: both see everything, both may pay in, both may withdraw. The money goes into the Globales Portfolio, exactly as in the individual account – broadly diversified ETFs and index-tracking funds, behind them over 13,000 shares and 2,000 bonds from more than 70 countries. You both set the strategy together and we monitor it continuously. Useful for couples saving towards a shared goal – a flat, a wedding, a sabbatical – and for money that belongs to both of you anyway. If one of you wants to go it alone later, the account can be split.
- Ownership
- 2 people, equal rights
- Time horizon
- From 3 years
- Savings plan
- From €25 a month
- Costs
- 0.48% p.a. plus approx. 0.2% TER
Saving for retirement
Retirement saving – without state subsidy
Saving for retirement without state allowances: the Globales Portfolio, with a glide path – the closer retirement gets, the further we shift the mix from shares to bonds. No insurance wrapper, no acquisition costs, no prescribed contribution guarantee. And you can get at your money at any time: the account can be closed within a few days at no cost – unlike a life insurance policy, a Riester contract or a building-society plan. If you want the state subsidy, you will find it from 2027 in the Altersvorsorgedepot.
- Time horizon
- Until retirement
- Equity share
- Falls over the years
- Savings plan
- From €25 a month
- Costs
- 0.48% p.a. plus approx. 0.2% TER
Build a rainy-day fund
Cash-Invest
For money needed in months rather than years. Cash-Invest holds money-market ETFs whose target return tracks the ECB deposit rate – so you don’t depend on one bank’s rate decisions. The instruments can be sold daily; the money is in your account in under five days. Unlike instant access, Cash-Invest is not an interest-bearing deposit but a managed strategy: deposit protection does not apply to it, and swings are very small but possible.
- Time horizon
- Up to 2 years
- Target return
- 2.72% p.a.
- Costs
- 0.48% p.a. plus 0.1% TER
Instant-access account
The classic for the reserve that should never fluctuate: 1% interest a year (variable), no fees, no price risk, available daily. Your balance sits with Quirin Privatbank AG and is covered by the statutory deposit guarantee up to €100,000 per customer. Interest is credited at the end of each quarter, pro rata if you start mid-quarter. There is no minimum investment and no minimum holding period. The point is peace of mind, not return: washing machine, garage, deposit – so you don’t have to touch your portfolio for those.
- Time horizon
- Up to 2 years
- Availability
- Daily
- Interest
- 1% p.a. (variable)
- Costs
- €0
Performance
Staying calm pays off.
Global portfolio with 100% equities, after all costs and before taxes. Twelve years, three crises – and the recovery that followed.
0 % 50 % 100 % 150 % 200 % Covid crash Ukraine crisis Trump tariffs
Global portfolio, 100% equities
From 31 Dec 2013 As of 30 Sep 2025
| Period | Return |
|---|---|
| 1 Aug 2021 – 31 Jul 2022 | +3.62% |
| 1 Aug 2022 – 31 Jul 2023 | +4.25% |
| 1 Aug 2023 – 31 Jul 2024 | +16.53% |
| 1 Aug 2024 – 31 Jul 2025 | +7.32% |
| 1 Aug 2025 – 31 Jul 2026 | +32.43% |
Past performance is not a reliable indicator of future performance. All information on performance.
Our investment principle
A system, not a gut feeling.
No fund manager beats the market consistently – Nobel laureate Eugene Fama proved it. We forecast nothing, we track the global capital market. While others sell out of fear, you stay the course.
I. Scientific
Nobody can predict prices reliably – so we don’t even try. Our portfolio-management experts work from the findings of capital-market research: forecast-free, broadly diversified, disciplined even in turbulent times, and as close to the world market as it gets.
Instead of trends, timing and individual bets we back the global market as a whole – through selected ETFs and index-tracking funds we invest in more than 13,000 shares and 2,000 bonds from over 70 countries. On top of that we deliberately cover the segments research has shown to deliver higher returns: value, small-cap, low-volatility, momentum and profitability stocks.
II. Independent
That way we choose ETFs purely on what counts: cost, quality, and the provider’s security.
And your money? The funds you invest in are legally separate from the assets of the fund company — if the fund company or the bank became insolvent, your units would still be yours. The cash in your clearing and instant-access accounts is covered by deposit protection, up to €100,000 per customer by statute. Neither protects you against market fluctuations.
III. Flexible
A long-term plan is not a rigid plan. Equity share, savings rate, goal – you change all of it in the app whenever you like, free of charge and digital, without owing anyone a reason.
You will look for deadlines in vain too: no minimum term, no notice period, no penalty fee. Pay part of it out and leave the rest running, or close the whole thing – your decision, whenever you like.
And after every change? We take over. We move your portfolio to the new equity-bond ratio, keep an eye on it, and bring it back on target as soon as the market shifts it.
quirion’s ETF portfolio management
You don’t need to know about markets or ETFs. We do.
Picking providers, analysing portfolios, landing on the perfect strategy – handled. Not by you, by us. Otherwise it tends to go like this: reading up, asking friends, comparing, clicking on, understanding half of it in the end. And then keeping half an eye on the account for good – with that quiet feeling of having got something wrong somewhere. At quirion, one goal is enough. We take care of the rest – so you can sleep soundly and still get where you’re going.
What is an ETF?
An ETF (exchange traded fund) replicates a whole index and so bundles many securities, instead of picking individual shares. Because nobody has to make forecasts or actively swap holdings for that, it is cheap. An active fund manager, by contrast, quickly costs 1.5 to 2.5 percent a year – and still fails to beat the index in over 90% of cases, according to numerous studies.
Broad diversification
Over 13,000 shares and 2,000 bonds from more than 70 countries mean that no single country and no single company decides whether your portfolio succeeds or fails. If one corporation goes bust it costs you fractions of a percent – whereas holding ten individual shares risks around 10% of your money on each one.
What this removes is the risk of individual securities, not the risk of the market: if the world market falls, your portfolio falls too. But over the long run it has always gone back up – that is what the history since 1972 shows, through every crisis.
Low costs
Our all-in fee of 0.48% a year covers everything: the investment proposal, account administration, transaction costs, ongoing monitoring, rebalancing, AI advice and every strategy change. On top of that come only the ETF costs of around 0.2% a year, which sit inside the fund price and are not billed separately.
Risk management
You don’t have to follow market news or keep checking your portfolio. We adjust it automatically.
Three things happen without you: we monitor the equity-bond weighting continuously, bring it back on target free of charge when price moves shift it (rebalancing), and review regularly whether a better product exists for each position.
Rebalancing is not an end in itself: it sells what has risen and buys what has fallen, counter-cyclically. That steers your risk and can raise the return potential – and it costs you nothing.
A minus is not the same as a loss Price swings are part of an equity portfolio, in both directions. A loss only arises if you sell at the bottom – a swing on its own is not one.
You choose your tolerance Eleven strategies from 0 to 100% equities: the closer your goal, the fewer equities we recommend. Below a five-year horizon we advise against a high weighting.
We hold the weighting If the market shifts your allocation, we bring it back on target free of charge. We sell what has risen and buy what has fallen, counter-cyclically – risk management without you doing a thing.
Past performance is not a reliable indicator of future performance. All information on performance.
Tax and the exemption order
A portion of your capital gains – interest, dividends and price gains – always goes to the tax office. It is paid over as soon as it arises; you never see a bill for it. An exemption order (Freistellungsauftrag) stops that deduction for as long as your allowance lasts.
€1,000 a year stays tax-free That is the Sparerpauschbetrag, the annual tax-free allowance for investment income, per person – €2,000 for couples assessed jointly. Up to that limit you keep your gains in full.
Without one, the deduction is immediate 25% capital gains tax and a 5.5% solidarity surcharge are withheld, plus church tax if you are liable for it. After that, the only way to get overpaid tax back is your tax return.
We set it up with you You file the exemption order in your account under Settings – no form, no letter, no deadline. If you have questions along the way, our service team walks you through it.
The tax certificate comes from us We put your annual tax certificate and income statement in your postbox every year, in time for your tax return. There is nothing to request.
Tax rules can change, and much depends on your personal situation – professional tax advice can be worthwhile. More on the exemption order.
AI advice
Every academic study, publication and calculation behind our asset management sits inside quirion.ai. With the AI advice you find answers to your questions quickly – and can have your investment worked through in concrete numbers and turned into charts.
Personal advice
Over a lifetime your wealth grows, a gift or an inheritance arrives – and with it the wish for a person to talk to about the big questions. That is where the advisory teams of our parent company, Quirin Privatbank, come in, across 15 locations. Your portfolio can move with you, and together you develop a plan for the next 10, 20 or 30 years using the Q-Navigator. Here too the price is agreed up front, not discovered on the statement. Transparency matters to us.
Customer support
When something is urgent or technically stuck, our service team helps you out. The fastest way to reach them is straight from the app – your account is already there. Mon–Fri, 9am–6pm.
Overview
We’re not built for active trading – for relaxed wealth building we are.
- Get your retirement subsidisedWith the retirement provision account you invest in the capital market with state support and build wealth for later.
- Open an individual accountWith broadly diversified, continuously managed ETF portfolios you build long-term wealth for your goals and wishes. Start with a lump sum or add an ETF savings plan any time.
- Open a joint accountSave together for your goals and let your wealth grow as one.
- Open a children’s accountWhether it’s university, a year abroad or a driving licence — even small contributions can create big opportunities over many years.
- Open an instant-access accountIdeal for a rainy-day fund and short-term goals: your money stays flexibly available.
- Save with Cash-InvestAn alternative to call money for funds that should stay available short-term.
- Invest sustainablyInvest by sustainable criteria without giving up the opportunities of the capital market.
- Invest in the Megatrends portfolioBet deliberately on future themes such as technology, health or sustainability.
- Invest in themesInvest deliberately in the themes you find exciting and consider relevant long-term.
How it works
Ten minutes to open. After that we take over.
2. Pay in
Savings plan from €25 a month, one-off investment with no minimum. It goes into the Globales Portfolio – over 13,000 shares and 2,000 bonds, no individual bets.
3. Sit back
We monitor the risk, bring the weightings back on target free of charge (rebalancing) and review the products. You watch in the app – or you don’t.
Getting started
The best moment is always now.
A monthly savings plan is the simplest way in. Whether it is a trip around the world, your child’s education or a relaxed life later on: the earlier you start, the harder compound interest works – and the closer you get to your goals.
You should know who you’re trusting with your money.
Frequently asked questions
Isn’t a single MSCI World ETF enough?
As a building block it is solid; as a whole portfolio it isn’t. Around 70% of it sits in the US, much of that in a handful of tech companies; emerging markets are missing entirely, and next to equities there is no stabilising asset class. An index also knows nothing about your age, your goal or your horizon – when equity markets run hot, your risk quietly rises with them. The Globales Portfolio holds over 13,000 shares and 2,000 bonds from more than 70 countries, weighted to your strategy; when the market shifts those weights, we bring them back on target. That is also the difference to buying ETFs yourself.
Who is quirion right for? And who is it not for?
For anyone building wealth over the long run without wanting to think about their investments every day: we select the ETFs, monitor the risk and bring the weightings back on target free of charge – you set the goal, the horizon and the amount you save. If you would rather trade yourself, pick individual shares or react to short-term price moves, a classic broker suits you better: buying and selling single securities is deliberately not part of what we do.
What does it cost – and what is included?
0.48% a year for the management, plus around 0.2% of ETF costs that sit inside the fund price and are not billed separately. Included are the investment proposal, account administration, ongoing risk monitoring, rebalancing and every strategy change. Not included, because we don’t charge them: front-end load, transaction and custody fees.
How much money do I need to start?
€25 a month for a savings plan, and no minimum at all for a one-off investment – no custody fee, no front-end load. Raising, lowering or pausing your savings rate is free and possible at any time in the app, as are extra one-off payments; money already invested stays invested during a pause.
Which strategy suits me?
That depends mostly on your horizon. There are eleven strategies from 0 to 100% equities; below five years we advise against a high equity share, from ten years there is little against it. When you open the account we ask about goal, horizon and risk appetite and propose a strategy – and you can switch at any time, free of charge.
Can I access my money at any time?
Yes. There is no minimum term, no notice period and no penalty fee; you can also withdraw just part of it and leave the rest running. For money you need within the next few months, though, instant access (1% a year, variable, available daily) or Cash-Invest (2.72% target return, under five days) are the better places – an equity portfolio can be down precisely when you have to liquidate it.
What happens when prices fall?
They do fall from time to time, and that cannot be planned away – it is part of the equity market. What matters is what happens next: we don’t sell at the bottom, we bring the equity-bond weighting back on target, which means buying more. How each strategy performed over the individual twelve-month periods is set out on the performance page.
Is my money safe at quirion?
Your securities account is held by Quirin Privatbank AG, a fully licensed bank. You invest in funds whose assets are legally separate from the fund company's own: the units in your account belong to you, not to the bank – and they stay untouched if the fund company, Quirin Privatbank AG or quirion became insolvent. What that does not prevent is market losses.